Payment system for authorizing a transaction between a user device and a terminal
US11847640B2 · kind B2 · utility
Assignee
Inventor
Key dates
| Filing date | Jul 6, 2022 |
| Grant date | Dec 19, 2023 |
| Priority date | — |
| Expiry date | Jul 6, 2042 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/3825
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Methods, apparatus and computer software are provided for authorizing an EMV transaction between a user device and a point of sale terminal, particularly, but not exclusively, in situations where a secure element is not made available for the deployment of a payment application on the user device. The payment application is instead deployed to a processing environment that is outside of any secure element on the user device. The payment application is associated with a certificate and a corresponding hash. The hash is adapted to be generated on the basis of an application expiration date parameter, which is adapted to comprise data indicative of an expiration date of day level granularity associated with the certificate. During processing of the EMV transaction, the point-of-sale terminal verifies the hash, thereby establishing the authenticity of the application expiration date, and hence the validity of the certificate.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.